I run into this problem a lot also. When the attorneys had control of everything the entire transaction was completed much more smoothly. The lender overnighted the doc package to the attorney 24 hours in advance of the closing. There was time to review the documents and prepare the HUD 1. The borrowers showed up at your office at the appointed time. The documents were signed, and the mortgage and/or deed were recorded.

Several years ago the lenders decided to economize and take the attorneys out of the loop. The norm became to use notaries in stead of attorneys. Then the transaction became further fragmented when the lenders subcontracted the title companies who in turn subcontracted the signing services. There is also the loan officer and mortgage broker that figure into the mix. Very often there is a failure to communicate among all of these parties. Added to this the lenders for some reason let everything go until the last possible minute before sending the doc package. The signing agent as the last man on the totem pole inherits everyone elses problems, yet he is expected to make everything work. This is often not possible when the documents are late in arriving or there are mistakes in the draftsmanship of the doc package.

The only thing that you can do is comply with RESPA. If the mistake or problem is created by one of the other 5 or 6 parties to the transaction it has to be brought to his attention and rectified. It is not your problem.